| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKERAGE CONCEPTS INC5 Filed as: BROKERAGE CONCEPTS, INC. | 512 TOWNSHIP LINE RD., VALLEY SQUARE OFFICE PARK, BDG 1, STE 110 BLUE BELL, PA 19422 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $0 | $103K | $103K | 2.36% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILMINGTON, DE 19809 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $0 | $21K | 9.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY GENERAL AGENCY | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 5.00% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $23 | $5K | 2.61% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILIMINGTON, DE 19809 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILIMINGTON, DE 19809 | RELIANCE LIFE INSURANCE COMPAY | $5K | $0 | $5K | 9.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | RELIANCE LIFE INSURANCE COMPAY | $3K | $0 | $3K | 5.00% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $150 | $5K | 10.72% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 8.55% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.37% |
| KISTLER TIFFANY BENEFITS3 | 400 BERWYN PARK STE 200 BERWYN, PA 19312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $565 | $32 | $597 | 1.26% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILMINGTON, DE 19809 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| LYONS INSURANCE AGENCY INC3 Filed as: LYONS INSURANCE AGENCY, INC. | 501 CARR ROAD, SUITE 301 WILMINGTON, DE 19809 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | $0 | $2K | 5.00% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, STE 301 WILMINGTON, DE 19809 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 9.83% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILMINGTON, DE 19809 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $556 | $0 | $556 | 5.00% |
| LYONS INSURANCE AGENCY INC3 | 501 CARR ROAD, SUITE 301 ROCKWOOD OFFICE PARK WILMINGTON, DE 19809 | RELIANCE LIFE INSURANCE COMPANY | $457 | $0 | $457 | 9.01% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | RELIANCE LIFE INSURANCE COMPANY | $254 | $0 | $254 | 5.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 800 | $4.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 549 | $229K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 549 | $65K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 419 | $134K |
| Short-term disability(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 446 | $328K |
| Prescription drug | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 800 | $4.3M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 800 | $4.3M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 549 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 800 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.